Monthly Interest Rates on Rs. 5 Crore FD

Find out how much monthly interest you can earn on Rs. 5 crore fixed deposit. Check the latest FD rates and calculate returns for 2025 to plan your investments.
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Interest on Rs. 5 Crore FD
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4 mins
31-July-2025

If you have built a corpus of Rs. 5 crore, it is time to make that wealth work smarter for you. A Fixed Deposit (FD) from Bajaj Finance helps you do just that—secure your capital, enjoy predictable returns, and choose how you want your interest paid out.

Whether you are planning for long-term wealth creation or regular monthly income, Bajaj Finance Fixed Deposits offer flexibility, safety, and returns that suit both strategies.

Build wealth your way! Choose between monthly payouts or lump sum maturity with flexible FDs designed around your goals. Check latest FD rates provided by Bajaj Finance and start earning today.

Two FD types for two financial goals

  • Cumulative FD
    Ideal for long-term savers who want to grow their funds through compounding. You receive the entire amount—principal plus interest—on maturity.

  • Non-Cumulative FD
    Best for those seeking regular income. You can opt for monthly, quarterly, half-yearly, or yearly payouts depending on your needs.

Let us show you the interest calculation for Rs. 5 crore FD in different scenarios.

Monthly Interest Payout on Rs. 5 crore Fixed Deposit assuming interest rates of 6% till 10%.

Deposit Amount

Interest Rate (p.a.)

Monthly Interest Payout

Rs. 5 crore

6.00%

Rs. 2,50,000

Rs. 5 crore

6.50%

Rs. 2,70,833

Rs. 5 crore

7.00%

Rs. 2,91,667

Rs. 5 crore

7.50%

Rs. 3,12,500

Rs. 5 crore

8.00%

Rs. 3,33,333

Rs. 5 crore

8.50%

Rs. 3,54,167

Rs. 5 crore

9.00%

Rs. 3,75,000

Rs. 5 crore

9.50%

Rs. 3,95,833

Rs. 5 crore

10.00%

Rs. 4,16,667

Lock in high interest of up to 7.30% p.a. with Bajaj Finance FD. Start with just Rs. 15,000. Open FD.

Monthly Interest Rate for Rs. 5 Crore Fixed Deposit

For an easy understanding of interest calculations, refer to the following tables for both types of Fixed Deposits.

Following are the calculations of interest earnings for five crore fixed deposit for senior citizens and citizens aged below 60:

Citizens aged below 60 investing in an FD:

Deposit amount

Tenor

Interest rate

Interest earnings (Rs.)

Total earning (Rs.)

Rs. 5 crore

12

months

%$$FD12-23-onlnoncummon$$ p.a.

32,05,000

5,32,05,000

Rs. 5 crore

24

months

6.74% p.a.

67,40,000

5,67,40,000

Rs. 5 crore

36 months

6.74% p.a.

1,01,15,146

6,01,15,146

Rs. 5 crore

60 months

6.74% p.a.

1,68,50,000

6,68,50,000

Senior citizens investing in an FD:

Deposit amount

Tenor

Interest rate

Interest earning (Rs.)

Total earnings (Rs.)

Rs. 5 Crore

12

months

6.74% p.a.

33,70,000

5,33,70,000

Rs. 5 Crore

24

months

7.07%p.a.

70,70,000

5,70,70,000

Rs. 5 Crore

36 months

7.07% p.a.

1,06,10,398

6,06,10,398

Rs. 5 Crore

60 months

7.07% p.a.

1,76,75,000

6,76,75,000

You must have noticed that returns from the cumulative fixed deposit are higher than non-cumulative ones because you are not withdrawing your interest amount periodically. It will remain invested and compound till the maturity date. Whereas, in the case of non-cumulative FD, you get monthly interest payouts that leave less money remaining for compounding.

In both cases, non-cumulative and cumulative FDs with Bajaj Finance, senior citizens get an advantage of an additional interest rate of up to 0.35% p.a. Invest now!

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Up to 0.35% p.a. extra interest offered for senior citizens
  5. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

By proceeding, you agree to our Terms and Conditions

How to maximise FD returns on Rs. 5 Crore

  1. Opt for longer tenure: Up to 60 months for higher returns.

  2. Choose payout wisely: Cumulative for growth, non-cumulative for income.

  3. Senior citizen? Use your age to your advantage with higher interest.

  4. Use compounding: The less you withdraw, the more you earn.

Flexible tenures, zero stress. Select your ideal tenure from 12 to 60 months and manage your investment online—anytime, anywhere. Open a Bajaj Finance FD account and start earning high returns.

Advantages of Bajaj Finance FD

  1. Flexible tenor ranging from 12-60 months.

  2. Highest Safety Ratings by CRISIL (FAAA) and ICRA (MAAA).

  3. High FD interest rate - up to 7.30% p.a. for a tenure of 60 months

  4. Additional up to 0.35% p.a. interest rate for senior citizens over regular rates

  5. Easy online process for opening a FD and hassle-free investment management through the My Account customer portal

  6. Loan against fixed deposit facility for the need of emergency fund without disturbing the corpus deposited

Fixed deposit variants

Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
Recommended

Fixed Deposit - 60 Months

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Senior Citizen

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Age below 60

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Minor

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - HUF

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Sole Proprietor

INTEREST RATES UP TO
6.95% p.a.
Open FD

Ready to invest? Here's how to get started

  1. Click ‘Open FD’ on this page

  2. Enter your mobile number and OTP

  3. Fill in amount, tenure, payout frequency, PAN, and DOB

  4. Complete e-KYC using Aadhaar

  5. Confirm details and make payment via UPI/Net Banking/NEFT

  6. Receive FD Acknowledgement instantly and e-FDR within 3 working days

Who can open an FD with Bajaj Finance?

  • Resident Indians: Individuals, senior citizens, minors (via guardian), firms, HUFs, trusts, associations

  • NRIs, PIOs, OCIs: Write to wecare@bajajfinserv.in to apply

  • Documents Required: PAN + Aadhaar/Passport/Driver’s License/Voter ID

KYC can be verified via CKYC, OKYC, or DigiLocker.

Trusted by lakhs! Join over 5 lakh investors who’ve secured their savings with Bajaj Finance Fixed Deposits. Check latest rates.

Tax liability on FDs of Rs. 5 Crores

Before locking in a Rs. 5 crore FD, it’s important to assess the tax impact to understand your net returns better. Here are some key points to note:

  • For regular investors, interest income up to Rs. 40,000 annually is exempt from TDS

  • Senior citizens enjoy a higher exemption limit of Rs. 50,000 per year

  • A standard TDS rate of 10% is applied on interest exceeding these limits

  • If PAN is not provided, the TDS rate rises to 20%

Conclusion

With a Rs. 5 crore corpus, you're not just investing—you’re securing your future. Whether you prefer consistent monthly income or a compounded lump sum, Bajaj Finance Fixed Deposits offer unmatched safety, attractive returns, and the flexibility to grow your money on your terms. Choose the payout option that fits your goals, and take control of your wealth—today.

Frequently asked questions

Is it safe to invest in a Bajaj Finance FD?

Bajaj Finance FDs hold the highest safety ratings from CRISIL and ICRA, ensuring your investment remains secure. Open FD today!

How to invest 5 crore for a monthly income?

1. Click on ‘Open FD' at the top of this page to open our online application form.
2. Enter your 10-digit mobile number and verify the OTP sent to your phone.
3. Fill in the investment amount, choose the investment tenure and the payout frequency. Enter your PAN card and date of birth.
4. Complete your KYC: If you are an existing customer, confirm the details available with us, or edit to make any changes. For new customers, complete your KYC using Aadhaar.
5. A declaration will be displayed. Please read it carefully and agree to the terms and conditions. Enter your bank details and proceed to pay.
6. Complete your investment using NetBanking/ UPI or NEFT/ RTGS.

Once your fixed deposit is booked, you will receive the Fixed Deposit Acknowledgement (FDA) on your registered email address and as a link on your mobile number. An Electronic Fixed Deposit Receipt (e-FDR) will also be sent to your email ID within 3 working days (subject to documents being in the correct order).

How much interest I will get for 5 crore?

The monthly interest on a Rs. 5 crore fixed deposit depends on the interest rate and tenor you choose. For example, at 8% annual interest, you could earn around Rs. 3.33 lakh per month. Use an FD calculator to estimate returns based on your preferences.

Videos on Fixed Deposit

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Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.